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Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. You should consider the Product Disclosure Statement in deciding whether to acquire the & Transaction Account and should also consider whether it is appropriate for you.

Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. WARNING: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Any advice given is general only and does not take into account your personal objectives, financial situation or needs. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the issuer of the MemberCare insurance policies. The product is not a product of, nor guaranteed by P&N Bank who will receive a commission payment of up to 25% of the premium for arranging a policy sale.

To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read and consider the Product Disclosure Statement (PDS). Provision of the $100 Caltex fuel card is for new policies only (not renewals) and will be sent after 28 days from inception of the policy subject to the policy not being cancelled.